Resources Archive

Letter to the Fed. Joint Office of Energy & Transportation Regarding the NEVI Community Grant Program

November 28, 2022

Group letter urging the federal Joint Office of Energy & Transportation to use IIJA EV charging funds to promote equity and affordability for low-income consumers.

H.R. 9307: The SAFE Lending Act of 2022

November 17, 2022

NCLC supports the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act.

Joint Request for Extension of Reply Comment Deadline in the Matter of Targeting and Eliminating Unlawful Text Messages

November 14, 2022

Given the importance of this issue, NCLC and CTIA request a brief, two-week extension of the November 25, 2022, reply comment deadline. The request is reasonable and warranted because the current reply comment period leaves insufficient time for parties to review the extensive comments in this complex proceeding and develop a complete record for the…

Comments to HUD Regarding Transitioning from LIBOR to Alternate Indices

November 17, 2022

Comments to the Housing and Urban Development Department re: 24 CFR Parts 203 and 206, [Docket No. FR-6151-P-02, RIN 2502-AJ51], 87 Fed. Reg. 63,458.

Comments to the U.S. Department of Education on Evaluating Undue Hardship Claims in Adversary Actions Seeking Student Loan Discharge in Bankruptcy Proceedings

May 18, 2018

The National Consumer Law Center, on behalf of its low-income clients, submitted the following comments in response to the Department of Education’s request for information on evaluating undue hardship claims in bankruptcy. We thank the Department for this opportunity, and we are hopeful that the Department will develop helpful guidance on the appropriate factors to…

Group Letter to FHA on Language Access for Borrowers

November 15, 2022

We write to request that HUD strengthen the current requirements related to origination and servicing of Federal Housing Administration (FHA) mortgages for borrowers with limited English proficiency (LEP). We applaud HUD’s LEP access provisions for borrowers in delinquency or default, as well as the agency’s recently-released Language Access Plan, which helps assess needs, promotes the…

FCC Should Do More to Protect Consumers from Scam Texts

November 10, 2022

Group Comments re: CG Docket No. 21-402.

Pounding Student Loan Borrowers: The Heavy Cost of the Government's Partnership with Debt Collection Agencies

September 17, 2014

The U.S. Department of Education refers every eligible defaulted debt to one of 22 private collection agencies. Despite the history of consumer abuses by the collection industry, the United States government hires collectors not only to collect money, but also to communicate with borrowers about options to address student loan debt and to help borrowers…

COVID-Driven Arrearages & Rising Energy Prices Increase Risk of Utility Shutoffs

November 8, 2022

This issue brief is being released as Massachusetts households approach a winter harder than any prior for those who struggle to pay the heating bills as they try to keep warm.

At a Crossroads: Lessons from the Home Affordable Modification Program (HAMP)

January 22, 2013

In 2013, our nation stands at a crossroads. We are still in the midst of the worst foreclosure crisis we have ever experienced. The successes, failures, and missed opportunities of HAMP provide a roadmap for a way out of the current crisis as well as a way to prevent its repetition. With up to 10…

Comments to Treasury on Credits for Clean Vehicles

November 4, 2022

We appreciate the opportunity to provide feedback on the 30D and 25E credits. The inclusion of previously owned clean vehicles in eligibility for a federal tax credits and providing away for moderate and low-income taxpayers who lack the tax liability to take advantage of non-refundable tax credits, albeit only though an eligible entity, are exciting…

Comments to the Notice of Assessment of 2013 RESPA Servicing Rule and Request for Public Comment

July 10, 2017

NCLC and other consumer advocacy groups issued a comment to the CFPB regarding the 5-year assessment of its mortgage servicing rules.

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